Excess Flood We offer flood coverage excess of the National Flood Insurance Program (NFIP) in all 50 states. Maximum limits on high-value dwellings, commercial properties and high-value multi-story residential properties. Carriers are A.M. Best rated A- and better. Limits: Up to $50,000,000 aggregate available Minimum Underlying Requirements: Commercial, non-residential – $500,000 per building / $500,000 per contents Residential – Mandatory underlying NFIP limits